A Freelance Computer Consultant Keeps a Database of Her Clients $S = \{ \text { Acme, Brothers, Crafts, Dion, Effigy, Floyd, Global, Hilbert } \}$

A freelance computer consultant keeps a database of her clients, which contains the names
? $S = \{ \text { Acme, Brothers, Crafts, Dion, Effigy, Floyd, Global, Hilbert } \}$ ?
The following clients owe her money.
? $N = \{ \text { Acme, Floyd, Effigy, Global } \}$ ?
The following clients have employed her in the last year.
? $P = \{ \text { Acme, Floyd, Dion, Effigy, Global, Hilbert } \}$ ?
Write the clients who do not owe her money or have employed her in the last year.
?
The answer is __________